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Elizabeth M. Abshire - Independent Insurance Agent

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Wyandotte, MI
Elizabeth M. Abshire - Independent Insurance Agent

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I'm an independent insurance agent specializing in Medicare and co-owner of Agents of the Preferred Insured.

10/15/2026

AEP is officially OPEN! 🎉

And before we spend the next several weeks talking about plans, prescriptions, doctors, benefits, and all the other Medicare things, here's what I want my clients to know first:
•You don't have to figure this out by yourself.
•You're going to see commercials.
•You're going to get mail.
•Your phone is going to be ringing off the hook ˗ˏˋ ☏ ˎˊ˗
•Your neighbor is probably going to tell you how much they LOVE their plan.
•And someone on Facebook will inevitably announce that they've found the “best” Medicare plan. 😂

But none of those people know your doctors.
They don't know which prescriptions you take.
They don't know what you can comfortably afford if you need a lot of healthcare next year.
And they don't know which benefits actually matter to you.

That's why we're going to look at your situation before deciding whether anything needs to change for 2027.
Maybe we find an option that works better for you.
Maybe we look at everything and decide your current coverage still makes sense.

Either way, the goal isn't to change your plan just because it's AEP.
It's to make sure you understand what you have and feel good about your decision for next year.

So, if Medicare starts feeling especially LOUD over the next few weeks, remember:
You don't have to sort through all of it alone.
Send me a message or give me a call if you're ready to start your 2027 review.

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192
734-250-9800

10/14/2026

🩺 Turning 65 comes with one Medicare decision that's hard to undo. If you choose Original Medicare, the supplement plan you pick in your first six months can be the one you're stuck with.

Plan G, Plan N, and High-Deductible Plan G are the three most people end up comparing. Medigap plans are standardized in most states, so a Plan G from one insurer covers the same things as a Plan G from another. The price is what differs.

With Plan G, the only thing you pay toward Medicare-covered care in 2026 is the $283 Part B deductible. After that, doctor visits, ER visits, and hospital stays cost you nothing for covered services.

Plan N starts the same way, then adds copays of up to $20 for some office visits and up to $50 for an ER visit that doesn't end in a hospital admission. It also doesn't cover Part B excess charges: the extra, up to 15%, that doctors who don't accept Medicare's rate as full payment are allowed to bill. A handful of states, including New York, Pennsylvania, and Ohio, ban or tightly limit those charges.

High-Deductible Plan G covers exactly what Plan G covers, but only after you've paid $2,950 for the year in costs the plan would otherwise pay. That $2,950 includes the $283 Part B deductible in 2026. In exchange, the monthly premium is usually much lower.

To compare N with G, add up the yearly premium difference, then count the doctor and ER visits you expect. Four office visits and one ER visit would mean up to $130 in Plan N copays. If the premium savings are bigger than that, N may come out ahead in a healthy year.

Timing matters more than any of this. Your Medigap open enrollment lasts six months and starts the month you're 65 and enrolled in Part B. During that window, an insurer can't turn you down or charge you more because of your health. After it closes, insurers in most states can ask about your health and charge more or say no.

That's why picking the cheapest plan at 65 and planning to upgrade later can backfire. If your health changes, Plan G may not be available to you anymore.

The good news ---- we are here to assist you with this alphabet soup! Give us a call and we can help you go over your options.

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192
734-250-9800

10/12/2026

Three Medicare changes take effect on Jan. 1, 2027, and two of them arrive quietly, inside paperwork most people rarely open.

The first is a subsidy that is ending. In 2025, Medicare started a temporary program that held down premiums on standalone Part D drug plans after the drug benefit was redesigned. On July 28, Medicare announced it will discontinue that program at the end of 2026, saying insurers now have enough experience to price their plans without it. The base premium Medicare uses to set Part D premiums rises to $41.33 a month for 2027, up from $38.99. That is a benchmark, not a bill. Each plan sets its own price, and some will move more than others.

The second change is the yearly cap on drug costs. Once your out-of-pocket spending on covered Part D drugs reaches the cap, you pay nothing more for those drugs for the rest of the calendar year. The cap was $2,100 in 2026 and rises to $2,400 in 2027. For someone on an expensive medication, that is $300 more before the protection kicks in. The standard deductible goes from $615 to $700, and a plan can set a lower one.

The third change is the one that can leave a person scrambling. Some insurers are closing Medicare Advantage plans for 2027. A plan leaving at year-end must send a non-renewal letter dated Oct. 2, except special needs plans, and coverage under the old plan ends Dec. 31. Anyone who does not join another Medicare Advantage plan is moved to Original Medicare. Original Medicare does not include drug coverage, so a separate drug plan has to be added. A plan that is not renewed opens a special window to choose another, from Dec. 8 through the last day of February.

Every plan had to mail an Annual Notice of Change for members to receive by Sept. 30. It lists what changes on Jan. 1, from the premium and the deductible to the drug list. It is the most useful document in the whole process, and it usually looks like junk mail.

Pull up the notice, write down every drug you take and the pharmacy you use, and let us assist you with finding a Medicare Advantage Plan that works for you and your budget for 2027. Open enrollment runs Oct. 15 to Dec. 7, and a plan chosen by Dec. 7 starts Jan. 1.

Plenty of plans will barely change, and a plan that still covers the same drugs at a similar cost can simply stay. The point is to know, before Dec. 7, whether staying is still the right call.

We would love the opportunity to assist you. Give us a call! There is no cost to have us as your agent, and we'll help you navigate all of your options.

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192
734-250-9800

Source: CMS, CY 2027 Rate Announcement (April 6, 2026) and July 28, 2026 Part D bid memo; 42 CFR 422.2267; Medicare.gov, Part D costs and enrollment periods.

10/09/2026

Before we compare a single Medicare plan for 2027, I want five things on the table.

Literally, if we're meeting in person. 😂

1. Your prescription list

Names, dosages, and how often you take them.

2. Your doctors and specialists

Especially the ones you absolutely do NOT want to give up.

3. Your preferred pharmacy

Because where you fill your prescriptions can affect what you pay.

4. Your current plan information

We need to know what you have now before we can decide whether something else actually works better for you.

5. Your ANOC

This shows us what's changing with your current coverage for 2027.

Why do I want all of that before we start looking at plans?

Because we're not trying to find the plan with the longest list of benefits or the prettiest brochure.

We're trying to figure out what makes sense for your actual life and healthcare needs.

And the more we know before we start comparing, the better questions we can ask.

I made this part easy for you. 🙌

Our 2027 Medicare Plan Review Checklist has a list of what to gather before your review, plus the things we'll want to check while comparing your options.

Give us a call today!

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192
734-250-9800

10/07/2026

You can take the exact same prescription, with the exact same Medicare drug coverage, to two different pharmacies...

and potentially pay two different amounts. 👀

Yep.

Where you fill your prescriptions can matter just as much as whether they're covered.

Some plans have pharmacies where your prescriptions may cost less than they would at another in-network pharmacy.

Which means when you're looking at your drug coverage for 2027, don't just ask:

“Is my medication covered?”

Also ask:

“What could I pay for it at the pharmacy I actually use?”

And if the answer makes you raise an eyebrow, it may be worth checking whether another pharmacy could make more sense.

This year especially, it's important to have an accurate prescription list AND know which pharmacy you prefer so you have the information you need when reviewing your drug coverage.

That's why both are included in my 2027 Medicare Plan Review Checklist.

Give us a call so we can assist you!

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192
734-250-9800

10/06/2026

Your ANOC showed up.

Before you file it away in the very official “I'll deal with this later” pile 😂, there are three things I want you to look at.

1. What you'll pay.

Look for changes to your premium, deductible, copays, and other out-of-pocket costs. Even a change that looks small can matter if it's attached to care you use regularly.

2. Your benefits.

Check whether benefits you actually use are changing for 2027. Don't get distracted by everything the plan offers. Pay attention to what matters to YOU.

3. Your prescription coverage.

Look for changes to the drug coverage information included with your plan materials. A medication being covered this year doesn't automatically tell you how it'll be covered next year.

You don't need to memorize your ANOC or understand every line of it.

But you DO want to know what's changing before you decide whether your current coverage still works for you in 2027.

And if you get to page two and your eyes have already glazed over, give me a call. 😂

I'll help you figure out which changes actually matter for you.

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192
734-250-9800

10/03/2026

2027 Medicare plan information is here.

Your next step?

It's NOT to immediately start comparing every plan you can find. 😂

Before we look at what's available for next year, I want to know what actually matters for you.

Which doctors do you want to keep seeing?

What prescriptions are you taking?

Which pharmacy do you prefer?

Do you travel or spend part of the year somewhere else?

Are there certain benefits you actually use?

Because a plan can look fantastic on paper and still be a terrible fit if it doesn't work with the way you actually get your healthcare.

That's why I like to start with YOU first and the plans second.

I've put together a 2027 Medicare Plan Review Checklist to help you gather the things we'll want to look at before comparing your options.

Want us to help you go over those options with you?

Call us at 734-250-9800 or stop by for an appointment.

Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192

09/24/2026

You know how the first pumpkin spice sign at the coffee shop shows up before fall actually gets here? It's not the whole season yet. It's just enough of a preview to tell you what's coming.

That's basically what just happened with Medicare drug plans for next year.

CMS confirmed one number for 2027, the base premium for standalone Part D plans, and it landed at $41.33 a month. That's not what everyone will pay, plans vary a lot, but it's the number the rest of next year's pricing gets built around. Kind of like that first pumpkin spice sign. It's not the full picture. It's the first real clue.

The actual numbers that apply to your specific plan come out later this fall. When they do, it's worth actually looking at them instead of assuming this year will look just like last year.

I'll keep you posted as more of it rolls out.

In the meantime, tell me where you stand. Pumpkin spice lover, or team it's-a-little-overrated?

09/02/2026

The annual client letter is done and went to the post office 📬 yesterday!

We make sure to send our clients a letter every September reminding them about Annual Enrollment Period and the Medicare changes for the upcoming year.

If you want a local agent who cares and looks out for you, give us a call!

This year, there is a little surprise treat in the letter for our clients. Our first client appreciation event is happening later this month. Check your letter for the information!

Elizabeth Abshire
Agents of the Preferred Insured
1469 Fort Street
Wyandotte, MI 48192

734-250-9800

07/30/2026

Sixty-one years ago today, President Lyndon B. Johnson signed Medicare and Medicaid into law, creating two programs that have improved the lives of millions of Americans.

As medicine evolves, so must we. Together, we're embracing innovation, protecting these programs for future generations, and making it easier for our most vulnerable Americans to get the care they need when they need it.

Happy 61st Birthday, Medicare and Medicaid! 🎂 🥳 🎉

Address

1469 Fort Street
Wyandotte, MI
48192

Opening Hours

Monday	10am - 6pm
Tuesday	10am - 6pm
Wednesday	10am - 7pm
Thursday	10am - 6pm
Friday	10am - 6pm

Telephone

+17342509800

Website

http://www.prefer.insure/

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